Monthly Archives: June 2018

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How Does the 2018 Federal Budget Affect You and Your Family?

If you sat down at 7:30 last night to watch the 2018 Federal Budget Announcement, you may have found yourself a little overwhelmed. With so many figures and areas of taxation to get your head around, we have sat down, dissected and summarised the answers to the question you may be asking – “What’s in it for me (and my family)?”

Personal income tax
The Treasurer announced plans for a three-step, seven-year plan:

  • Step One: Effective immediate, low and middle income earners are to benefit from tax savings of up to $530 per person (or $1,060 per couple).
  • Step Two: From 1 July this year, the threshold of the 32.5% tax bracket will increase from $87,000 to $90,000, then will again increase in July 2022 from $90,000 to $120,000.
  • Step Three: From 2024-25, there will be just two income tax brackets for people earning over $41,000 per year: 32.5% for incomes between $41,001 and $200,000, and 45% for incomes exceeding $200,000.
  • The Medicare levy will remain at 2%.

Your superannuation
Have you ever considered changing your super fund, but found it cost-prohibitive because of high exit fees? Great news in this years budget– super funds will soon be banned from charging exit fees. But you’ll need to wait until 1 July 2019 to make your move.Other changes to superannuation include:

The balance-eroding practice of automatically adding life insurance to a superannuation policy, no matter what the age of the person, will end. (To date, super members under the age of 25 pay nearly $200 million a year in life insurance fees through superannuation). Those under 25 are now required to ‘opt in’ to buying life insurance.

Companies can no longer automatically deduct life insurance cover for all funds where no contributions have been made for 13 months.

According to the Association of Superannuation Funds of Australia, more than 60% of Australians have multiple super funds. So, the ATO will turn their eye to inactive super accounts and merge them with their owners’ active funds.

  • Self-managed super funds (SMSFs) can now have 6 members, up from 4.
  • SMSFs with a history of good record keeping will be rewarded by reducing annual audits to 3 yearly audits.
  • People over 65 can put up to $300,000 into super from the proceeds of selling their home.
  • First home buyers who have made super contributions under the First Home Super Saver Scheme can access their money for eligible property purchases.

Education
Young people living in rural and remote communities will find it easier to get access to Youth Allowance payments while they are studying away from home (eligibility for these payments is based on parental income).Traineeships
The Federal Government will match funding with the states and territories to provide traineeships and apprenticeships for “high-demand” areas over four years. However, there is one caveat: each of the states and territories needed to sign up for this to go ahead.

Ageing Australia
There are a number of changes in this years budget to benefit older Australians. They include:

  • $1.6 billion over four years has been set aside so 14,000 seniors can stay in their homes rather than go into a nursing home.
  • $20 million for mental health nurses to support older people still living at home (the Government notes that men over 85 have the highest risk of suicide of all age groups).
  • $40 million has been budgeted for urgent building and maintenance work for aged care facilities in regional and remote areas.
  • $33 million has been set aside to address a chronic shortage of palliative care in nursing homes.
  • A one-year exemption from the ‘work test’ will apply to recent retirees who have less than $300,000 in total super savings.
  • The Pension Loans Scheme will be available to all Australians over Age Pension age and the maximum payments will increase to 150% of the full Age Pension.
  • Pension Work Bonus increases to $7,800 p.a. from $6,000.
  • Finally, the Government has pledged to make the aged-care system easier for families to navigate, simplifying forms and providing relevant online educational facilities.

Access to more affordable medicine: Granted, you will need to wait years for this, but it’s good to know the government will spend $302 million over four years to improve your access to generic and less expensive medicine.Your health
There are plans to allocate $130 billion for public hospitals over five years. The government also proposed a crack down on unnecessary diagnostic tests.

Access to your own data. The government announced the establishment of a “consumer data right”. This will allow you to take control of your online personal data and safely share it with credible service providers, starting with the banking, energy and telecommunications sectors.

Small business
No budget would be complete without something for small businesses. If you run your own business, the current deduction on spending on eligible assets of up to $20,000 has been extended to July 2019. Another win: streamlining of GST reporting which, in turn, will save money – a welcome change for around 2.7 million small businesses.

Craft Beer Brewers. There are around 350 craft brewers in Australia, so chances are you aren’t one of them. However, most consider the tax changes that put small craft beer brewers at a disadvantage to be a victory for common sense. Beer sold in kegs larger than 48 litres have been taxed at a lower rate than smaller kegs, which in effect has favoured large producers. The change brings the lower tax level down to beer sold in kegs larger than the 8-litre size.

Finally
While not all of these changes are likely to affect you personally, you might give them your ‘tick’ of approval:

  • Multinational companies now to be policed and stopped from shifting profits to lower-taxing countries (they do this by loading up local operations with debt).
  • Online hotel booking websites based outside of Australia will now be taxed at the same rate as Australian businesses, ending the inequality that currently occurs between international and local booking providers.
  • Companies that are currently ‘pushing the boundaries’ and taking advantage of the research and development tax incentive scheme will be stopped. This will ensure funding goes to genuinely innovative spending.
  • A $1.3 billion plan to support Australia as a ‘global leader’ in medical technology, biotechnology and pharmaceuticals.
  • The ATO will turn an eye to the ‘Black Market Economy”, with more audits, ‘mobile strike teams’ and a ‘Black Economy Hotline’ for the public to report suspicious activity of businesses attempting to avoid paying tax.

Some Stuff You Need to Get a Blogging Schedule Together

Creating an blog page calendar is a crucial blogging r1.tiptopwebsitedesigns.com task and it can end up being as simple or as complete as you want it to be.

1 . Set an occasion for preparing your date and decide for how various months do you want to plan. Various other bloggers generally go for 5 months and might move to 6 months of preparing, but for beginners 2 -3 months needs to be enough.

2 Depending on what software you make use of, many companies (Microsoft for example) provide templates that you may discover very handy for your job. Calendar themes are available for MS Word, MS Publisher and MS Exceed are great starting points and never have to create anything from scratch. Googlemail has their triumphed in calendar application; other email sites/services have their own date applications hence there are a lot of choices. Project managing or process management equipment can be used to strategy and display a blog calendar. Do not forget that although the term calendar can be used, a blog page calendar would not have to be set up in any classic calendar or perhaps datebook structure. Feel free to apply any formatting you like provided it is structured and comfortable and simple for you to use and follow.

3. It is also a very good thought to take a look at calendars of getaways worldwide so you have an idea what people happen to be celebrating on a certain day time that you may include in your issue for a certain day.

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5. It is vital to go out of the box, research types of news exterior your nation to obtain an interesting viewpoint on any sector or topics you follow. Inside the organic natural beauty industry, for example , there’s a greatly divergent set of standards in Europe and Australia than other countries.

6. Other than companies markets, you can even write about and follow renowned personalities On the globe. By following the personalities in different industry, you may keep on top of the trends and topics various people will be interested in.

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8. Groundwork for any new softwares that may help speed up your blogging in one day so that you can stay a day in front of your blog work schedule. Even if you happen to be following weblog calendar, it is always a good idea to accomplish things before hand so that you can perform more and weblog more.

9. Make an effort to look at other blog calendars of other bloggers. It is a good idea to understand what other bloggers are doing individual daily blogging schedule in order that you know ideal lacking in the own routine.

10. It will always be best to know more new things in blogging and blog calendars. So you afraid to analyze and learn, you’ll be surprised while using things you can discover every single day that can help the blogging routine.

The Most Important Things Needed to Get a Blogging Calendar Plan Together

Creating an weblog calendar is an important blogging www.ptfatln.gq job and it can be as simple or perhaps as descriptive as you need it to be.

1 . Set a moment for planning your work schedule and opt for how many months would you like to plan. Additional bloggers usually go for some months and may even move to six months of planning, but for newbies 2 -3 months should be enough.

2 Depending on what software you utilize, many companies (Microsoft for example) provide design templates that you may locate very helpful for your job. Calendar layouts are available for MS Word, MS Publisher and MS Surpass are great starting points and not having to create anything from scratch. Googlemail has their won calendar app; other email sites/services get their own schedule applications hence there are a lot of options. Project supervision or process management equipment can be used to approach and display a weblog calendar. Understand that although the term calendar is employed, a weblog calendar will not have to be set up in any traditional calendar or datebook design. Feel free to employ any structure you like just as long as it is organized and comfortable and straightforward for you to use and follow.

3. Additionally it is a very good thought to take a look at calendars of holiday seasons worldwide in order that you have an thought what people are celebrating over a certain daytime that you may integrate in your issue for a several day.

4. Now that you have establish your schedule and have the basic applications to use it is currently time for you to choose seasonal issues you want to deal with on a several date. Inside the beauty market, there are evident seasonality topics, such as solutions to the dried out skin of winter, sun screen for spring and summer (although sunscreen is actually a year-round topic), fashion trends for each and every season in addition to the trends designed for the coming year, holiday seasons, weddings, and so forth But you can locate seasonal issues for any market. B2B technology companies possess new product emits and upgrades, yearly tradeshows and sector events, and budgetary cycles. You can also the actual seasonality of industries apply B2B technology products and services, including education, travel around, and price tag, which is almost every industry.

5. It is vital to go out of the box, research types of news out of doors your nation to acquire an interesting position on any sector or topics you follow. Inside the organic loveliness industry, for example , there’s a broadly divergent set of standards in Europe and Australia than any other countries.

6. Other than companies markets, you can also write about and follow recognized personalities On the globe. By following the personalities in a industry, you can keep on top of the trends and topics a large number of people will be interested in.

7. Be ready for any changes in topic over a certain particular date you’ve occured your blog schedule. Be ready for late-breaking news. You will find news flashes in every market. These media can be very interesting to write regarding and site visitors will surely find interesting to review. So you afraid to move certain weblog topics meant for the days you could have already established.

8. Exploration for any new softwares that may help speed up your blogging in a day so that you can stay a day before your blog schedule. Even if you will be following blog calendar, it usually is a good idea to finish things ahead of time so that you can do more and blog page more.

9. Make an effort to look at additional blog calendars of other bloggers. This can be a good idea to be aware of what other blog writers are doing on the daily blogging schedule so that you will know what’s lacking in the own timetable.

10. It is usually best to know more new things in blogging and blog calendars. So you afraid to analyze and learn, you’re going to be surprised along with the things you can discover daily that can help your blogging schedule.

Top 10 Things You Need to Get a Blogging Calendar Plan Together

Creating an blog calendar is a crucial blogging task and it can always be as simple or perhaps as complete as you want it to be.

1 ) Set an occasion for preparing your schedule and opt for how a large number of months do you want to plan. Various other bloggers generally go for four months and may even move to 6 months of planning, but for starters 2 -3 months need to be enough.

2 Depending on what software you make use of, many companies (Microsoft for example) provide templates that you may locate very handy for your task. Calendar templates are available for MS Word, MS Publisher and MS Stand out are great beginning points and never having to create some thing from scratch. Gmail has their earned calendar application; other email sites/services get their own diary applications therefore there are a lot of selections. Project managing or activity management equipment can be used to prepare and screen a weblog calendar. Remember that although the term calendar is needed, a weblog calendar does not have to be sorted in any classic calendar or perhaps datebook design. Feel free to apply any structure you like provided it is planned and comfortable and simple for you to use and follow.

3. It is additionally a very good thought to take a look at calendars of holidays worldwide in order that you have an idea what people are celebrating over a certain day time that you may integrate in your theme for a specified day.

4. Now that you have placed your agenda and have the basic courses to use it is currently time for you to choose seasonal matters you want to tackle on a specified date. Inside the beauty market, there are obvious seasonality subject areas, such as methods to the dry out skin of winter, sunscreen for spring and summer (although sunscreen is in reality a year-round topic), fashion trends for every single season and also the trends meant for the coming year, holidays, weddings, and so forth But you can discover seasonal issues for any industry. B2B technology companies currently have new product releases and updates, yearly tradeshows and sector events, and budgetary cycles. You can also follow the seasonality of industries involving B2B technology products and services, such as education, travel around, and in a store, which is pretty much every industry.

5. It is vital to go out of this, research options for news out of doors your country to get an interesting viewpoint on any kind of sector or topics you follow. In the organic magnificence industry, for instance , there’s a broadly divergent pair of standards in Europe and Australia than other countries.

6. Other than products and markets, you can also write about and follow recognized personalities On the globe. By following the personalities in just about any industry, you may keep on top of the trends and topics various people will probably be interested in.

7. Be equipped for any changes in topic over a certain particular date you’ve mounted in your blog calendar. Be ready for late-breaking news. You will discover news flashes in every sector. These information can be very interesting to write regarding and site visitors will surely discover interesting to read about. So need not afraid heading certain blog topics to get the days you have already place.

8. Study for any new softwares www.foodland.com.my that may help speed up your blogging per day so that you can stay a day before your blog appointments. Even if you will be following weblog calendar, it usually is a good idea to end things in advance so that you can perform more and weblog more.

9. Try to look at different blog calendars of additional bloggers. It is a good idea to be familiar with what other blog writers are doing troubles daily blogging schedule so you know exactly what is lacking in the own plan.

10. It usually is best to get more information new things in blogging and blog calendars. So do not afraid to research and learn, you’ll end up surprised with all the things that you can discover daily that can help the blogging program.

Main Stuff You Need to Get a Blog Calendar Together

Creating an blog calendar is an important blogging in-formacao.pt job and it can be as simple or as precise as you want it to be.

1 . Set an occasion for planning your schedule and decide for how many months do you want to plan. Additional bloggers usually go for some months and could move to 6 months of organizing, but for beginners 2 -3 months need to be enough.

2 Depending on what software you make use of, many companies (Microsoft for example) provide themes that you may find very practical for your job. Calendar web templates are available for MS Word, MS Publisher and MS Surpass are great starting points without needing to create anything from scratch. Gmail has their acquired calendar request; other email sites/services get their own appointments applications and so there are a lot of choices. Project managing or job management equipment can be used to plan and display a blog page calendar. Remember that although the term calendar is used, a blog calendar does not have to be sorted in any classic calendar or datebook design. Feel free to employ any data format you like just as long as it is structured and comfortable and straightforward for you to use and follow.

3. It might be a very good thought to take a look at calendars of holiday seasons worldwide in order that you have an idea what people will be celebrating on a certain daytime that you may combine in your matter for a specific day.

4. Now that you have establish your agenda and have the basic courses to use it is now time for you to decide which seasonal matters you want to take on on a a number of date. In the beauty market, there are evident seasonality issues, such as methods to the dry out skin of winter, sunscreen for spring and summer (although sunscreen is really a year-round topic), fashion trends per season in addition to the trends with regards to the coming year, vacations, weddings, and so forth But you can discover seasonal topics for any sector. B2B technology companies include new product releases and advances, yearly tradeshows and sector events, and budgetary cycles. You can also the actual seasonality of industries involving B2B technology products and services, just like education, travel around, and price tag, which is almost every industry.

5. It is necessary to go out of the, research options for news outdoor your nation to acquire an interesting viewpoint on any sector or perhaps topics you follow. In the organic magnificence industry, for instance , there’s a extensively divergent set of standards in Europe and Australia than other countries.

6. Other than products and markets, you can also write about and follow famed personalities On the globe. By following the personalities in a industry, you can keep on top of the trends and topics many people will probably be interested in.

7. Be equipped for any within topic on the certain time you’ve placed in your blog date. Be ready for late-breaking news. You will find news whizzes in every market. These media can be very interesting to write regarding and guests will surely find interesting to get the scoop. So do not afraid to go certain blog topics meant for the days you could have already established.

8. Research for any new softwares which may help speed up your blogging per day so that you can stay a day in advance of your blog schedule. Even if you are following blog page calendar, it usually is a good idea to complete things ahead of time so that you can carry out more and blog more.

9. Try to look at different blog calendars of additional bloggers. It is just a good idea to know what other blog writers are doing troubles daily blogging schedule so that you know what’s lacking in the own timetable.

10. It is usually best to get more info new things in blogging and blog calendars. So don’t be afraid to analyze and learn, you’ll certainly be surprised while using things you could discover every day that can help the blogging routine.

10 Main Stuff You Need to Get a Blog Plan Together

Creating an weblog calendar is a crucial blogging www.arsimicompany.net task and it can become as simple or perhaps as thorough as you need it to be.

1 . Set a moment for organizing your date and decide for how many months would you like to plan. Other bloggers usually go for some months and might move to six months time of organizing, but for newbies 2 -3 months should be enough.

2 Depending on what software you use, many companies (Microsoft for example) provide web templates that you may get very handy for your project. Calendar themes are available for MS Word, MS Publisher and MS Excel are great beginning points and not having to create some thing from scratch. Gmail has their received calendar software; other email sites/services get their own date applications and so there are a lot of alternatives. Project control or activity management equipment can be used to program and display a blog page calendar. Remember that although the term calendar can be used, a blog page calendar would not have to be sorted in any traditional calendar or perhaps datebook design. Feel free to apply any structure you like just as long as it is ordered and comfortable and straightforward for you to use and follow.

3. Additionally it is a very good idea to take a look at calendars of vacations worldwide so that you have an thought what people will be celebrating on the certain time that you may include in your subject for a certain day.

4. Now that you have place your timetable and have your basic courses to use it is now time for you to choose seasonal subject areas you want to handle on a specific date. Inside the beauty market, there are totally obvious seasonality subject areas, such as methods to the dried up skin of winter, sunscreen for spring and summer (although sunscreen is truly a year-round topic), fashion trends per season as well as the trends meant for the coming year, holidays, weddings, and so forth But you can find seasonal topics for any sector. B2B technology companies contain new product secretes and updates, yearly tradeshows and sector events, and budgetary cycles. You can also follow the seasonality of industries apply B2B technology products and services, just like education, travelling, and sell, which is almost every industry.

5. It is crucial to go out of the box, research types of news out of your nation to obtain an interesting viewpoint on any sector or topics you follow. In the organic splendor industry, for example , there’s a extensively divergent set of standards in Europe and Australia than other countries.

6. Other than products and markets, you can even write about and follow famous personalities In the world. By following the personalities in a industry, you may keep on top of the trends and topics various people will be interested in.

7. Be equipped for any within topic on the certain particular date you’ve occur your blog calendar. Be ready for late-breaking news. There are news sensations in every industry. These media can be very interesting to write regarding and tourists will surely locate interesting to review. So you afraid to go certain blog topics with respect to the days you have already place.

8. Homework for any fresh softwares that might help speed up your blogging in a day so that you can stay a day in advance of your blog diary. Even if you are following weblog calendar, it usually is a good idea to conclude things upfront so that you can carry out more and blog page more.

9. Try to look at various other blog calendars of other bloggers. It is just a good idea to be familiar with what other writers are doing individual daily blogging schedule so you know can be lacking in the own timetable.

10. It is always best to learn more new things in blogging and blog calendars. So don’t be afraid to analyze and learn, you’ll end up surprised when using the things that one could discover every day that can help the blogging plan.

10 Things Needed to Get a Blog Plan Together

Creating an blog page calendar is an important blogging activity and it can be as simple or perhaps as comprehensive as you want it to be.

1 . Set a period of time for planning your calendar and decide for how a large number of months do you wish to plan. Other bloggers usually go for 5 months and could move to 6 months of planning, but for newbies 2 -3 months needs to be enough.

2 Depending on what software you make use of, many companies (Microsoft for example) provide themes that you may get very handy for your task. Calendar layouts are available for MS Word, MS Publisher and MS Surpass are great beginning points and never have to create anything from scratch. Gmail has their achieved calendar program; other email sites/services have their own schedule applications consequently there are a lot of options. Project control or process management equipment can be used to strategy and display a blog page calendar. Remember that although the term calendar can be used, a blog calendar will not have to be formatted in any classic calendar or datebook structure. Feel free to apply any structure you like provided it is sorted out and comfortable and simple for you to use and follow.

3. Also, it is a very good idea to take a look at calendars of holidays worldwide so that you will have an idea what people will be celebrating on the certain daytime that you may incorporate in your matter for a specified day.

4. Now that you have placed your routine and have the basic applications to use it is now time for you to choose seasonal issues you want to tackle on a a number of date. In the beauty market, there are totally obvious seasonality topics, such as strategies to the dry out skin of winter, sun screen for spring and summer (although sunscreen is actually a year-round topic), fashion trends for each season in addition to the trends with regards to the coming year, getaways, weddings, and so forth But you can locate seasonal subject areas for any sector. B2B technology companies have got new product launches and updates, yearly tradeshows and sector events, and budgetary cycles. You can also follow the seasonality of industries involving B2B technology products and services, just like education, travel and leisure, and retail, which is almost every industry.

5. It is crucial to go out of this, research options for news out of doors your region to get an interesting point of view on any sector or topics you follow. In the organic wonder industry, for example , there’s a greatly divergent pair of standards in Europe and Australia than any other countries.

6. Other than companies markets, you can even write about and follow famous personalities On the globe. By following the personalities in any industry, you may keep on top of the trends and topics a large number of people will probably be interested in.

7. Be ready for any within topic over a certain date you’ve set in your blog appointments. Be ready for late-breaking news. There are news flashes in every market. These reports can be very interesting to write about and site visitors will surely locate interesting to review. So don’t be afraid to push certain weblog topics for the purpose of the days you could have already arranged.

8. Groundwork for any new softwares swiftcover.co.za that may help speed up the blogging in one day so that you can stay a day in front of your blog work schedule. Even if you happen to be following weblog calendar, it is usually a good idea to surface finish things in advance so that you can carry out more and weblog more.

9. Try to look at additional blog calendars of different bloggers. It is a good idea to understand what other bloggers are doing on the daily blogging schedule in order that you know what’s lacking in the own program.

10. It is always best to get more information new things in blogging and blog calendars. So you afraid to research and learn, you might be surprised together with the things that you could discover daily that can help the blogging timetable.

Top Things You Need to Get a Blogging Calendar Together

Creating an blog page calendar is an important blogging job and it can become as simple or perhaps as specific as you want it to be.

1 . Set a time for organizing your diary and decide for how a large number of months do you wish to plan. Different bloggers usually go for four months and might move to six months of organizing, but for beginners 2 -3 months need to be enough.

2 Depending on what software you utilize, many companies (Microsoft for example) provide web templates that you may discover very practical for your task. Calendar design templates are available for MS Word, MS Publisher and MS Exceed are great beginning points without having to create something from scratch. Gmail has their acquired calendar program; other email sites/services get their own diary applications consequently there are a lot of alternatives. Project administration or job management equipment can be used to program and display a blog page calendar. Understand that although the term calendar is employed, a weblog calendar does not have to be set up in any classic calendar or datebook structure. Feel free to apply any format you like just as long as it is ordered and comfortable and easy for you to use and follow.

3. Additionally it is a very good idea to take a www.personal-trainers.pl look at calendars of getaways worldwide in order that you have an thought what people will be celebrating on a certain working day that you may combine in your matter for a specified day.

4. Now that you have placed your schedule and have your basic courses to use it is currently time for you to decide which seasonal topics you want to take on on a certain date. In the beauty sector, there are noticeable seasonality issues, such as approaches to the dry skin of winter, sunscreen for spring and summer (although sunscreen is actually a year-round topic), fashion trends for each season and also the trends to get the coming year, holiday seasons, weddings, and so forth But you can get seasonal issues for any industry. B2B technology companies possess new product emits and advances, yearly tradeshows and sector events, and budgetary cycles. You can also stick to the seasonality of industries apply B2B technology products and services, such as education, travel around, and price tag, which is pretty much every industry.

5. It is crucial to go out of the box, research reasons for news out of doors your country to obtain an interesting point of view on any sector or topics you follow. Inside the organic loveliness industry, for instance , there’s a widely divergent group of standards in Europe and Australia than any other countries.

6. Other than products and markets, also you can write about and follow legendary personalities On the globe. By following the personalities in just about any industry, you may keep on top of the trends and topics a large number of people will probably be interested in.

7. Be ready for any changes in topic on the certain particular date you’ve placed in your blog date. Be ready for late-breaking news. You will find news whizzes in every market. These information can be very interesting to write regarding and visitors will surely discover interesting to see all about. So need not afraid to transfer certain blog page topics to get the days you have already collection.

8. Exploration for any fresh softwares that may help speed up the blogging per day so that you can stay a day ahead of your blog schedule. Even if you happen to be following blog calendar, it is always a good idea to accomplish things before hand so that you can do more and weblog more.

9. Try to look at various other blog calendars of other bloggers. This can be a good idea to be aware of what other blog writers are doing prove daily blog schedule so that you will know precisely lacking in your own timetable.

10. It is usually best to find out more new things in blogging and blog calendars. So don’t be afraid to research and learn, you’ll certainly be surprised when using the things that you can discover daily that can help your blogging program.